El Monte, CA · Charter 7835
NCUA · 8 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.36% | 0.44% | 0.35% | 0.22% | 0.22% | -0.33% | -0.28% | -63 bps | |
| Return on Equity | 4.24% | 3.46% | 4.39% | 3.45% | 2.16% | 2.13% | -3.21% | -2.70% | -615 bps | |
| Net Interest Margin | 3.12% | 3.06% | 3.15% | 3.33% | 3.44% | 3.44% | 3.49% | 3.60% | +28 bps | |
| Efficiency Ratio | 79.20% | 79.99% | 76.03% | 78.35% | 78.90% | 79.43% | 87.28% | 85.64% | +729 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.15% | 12.18% | 11.51% | 9.69% | 7.78% | 5.48% | 5.62% | 3.89% | -580 bps | |
| Loan Growth (YoY) | 12.61% | 11.89% | 13.99% | 12.56% | 11.70% | 11.99% | 9.02% | 10.15% | -241 bps | |
| Share Growth (YoY) | 10.95% | 11.42% | 10.74% | 7.05% | 4.89% | 3.14% | 2.86% | 3.32% | -373 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 0.96% | 0.71% | 0.55% | 0.64% | 0.91% | 0.94% | 0.89% | +34 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.45% | 10.32% | 10.09% | 10.23% | 10.21% | 10.10% | 10.32% | 10.39% | +16 bps | |
| Net Worth / Assets | 8.45% | 10.32% | 10.09% | 10.23% | 10.21% | 10.10% | 10.32% | 10.39% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.18% | 89.80% | 88.29% | 91.19% | 93.91% | 97.51% | 93.58% | 97.22% | +603 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |